What the Percentage Services Really Take

1. The Percentage Fee Calculator

Enter a total amount saved or found. For a recurring bill reduction, enter the total savings over the period being used — for example, $50/month saved for 24 months is $1,200. Nothing you type leaves this page.

Amount saved or found

$

Rocket Money bill negotiation

$420–$720

Fee: 35–60% of the savings.

You keep: $480–$780

BillShark

$480

Fee: 40% of the savings secured, calculated over a savings period capped at 24 months.

You keep: $720

Unclaimed-money finders

$120–$420

Fee: 10–35% of your own money, depending on the state cap.

You keep: $780–$1,080

Leak Hunter

$0 of the savings

Percentage taken: 0%. The subscription is separate and flat: $19/mo Watch or $39/mo Handled. Founding rate: $15/mo.

You keep: $1,200 of the savings found

BillShark example: a $20/month bill reduction over 24 months is $480 in savings. At 40%, the fee is $192 — not 40% of one month's $20 reduction.

Rocket Money note: the calculator applies its standard 35–60% negotiation fee. Rocket Money also lists a $15/mo Premium+ tier with no negotiation success fee. Figures checked against the Leak Hunter competitive dossier, October 15, 2026. Services can change pricing; the arithmetic above uses the stated rates exactly.

2. The Annual-Fee Reality Check

Some premium cards charge $795–$895 a year. The useful question is not how much value the card advertises — it is how much value you actually used. Count redeemed credits and perks at the value they had to you, not their theoretical maximum.

Card annual fee

$

Credits/perks actually used last year

$

−$145

The fee itself is a leak

You used $750 in value against an $895 annual fee. The card is costing you $145 a year.

3. The side-by-side facts

No slogans — just the operating models. Pricing and features below are the verified facts recorded in the October 15, 2026 competitive dossier.

Question	Leak Hunter	Rocket Money	Kudos	BillShark
What it watches	Seven leak types: zombie subscriptions, renewal creep, unredeemed rebates, unclaimed property, price-drop claims, waivable fees, and medical-bill errors.	Recurring charges, spending and budgets, plus bill negotiation for services such as cable, internet, phone, and security.	Credit-card credits, offers, and perks; Premium adds AI bill negotiation.	Cable, internet, phone, satellite radio, home security, insurance-premium checks, and subscription cancellation.
Bank login required to start?	No for the free Stage 1 Leak Scan.	Yes. Bank/card accounts are linked through Plaid before the app can be used.	Card linking is required for its card-benefit tracking.	No bank login; it works from bill/provider information you supply.
Pricing model	Flat subscription: $19/mo Watch, $39/mo Handled, $15/mo founding rate. $0 percentage of savings.	Premium is $7–$14/mo, “pay what’s fair”; Premium+ is $15/mo. Standard bill negotiation takes 35–60% of first-year savings; Premium+ lists no negotiation success fee.	Premium pricing varies by channel — $41.99/year in its app-store listings, $141.99/year on its homepage (Oct 2026) — including AI bill negotiation at 0% commission.	40% of the savings secured, with the savings period capped at 24 months.
Who does the work?	Watch: Eva finds the leaks and gives you the play. Handled: Eva executes the approved work and follows through.	The app detects and tracks; Premium adds concierge cancellation and negotiation services.	Automated card-benefit tools and AI; Premium includes AI negotiation.	Human negotiators contact the providers.
Unclaimed property	Included in the scan — searched through the free official state route, with no percentage skim.	Not offered.	Not offered.	Not offered.
Medical bills	Included as billing-error spotting and dispute support within the seven-leak scan.	Not offered.	Not offered.	Not offered.

Comparison facts are drawn from the companies’ own pages/listings as recorded in the Leak Hunter competitive-intelligence dossier on October 15, 2026. Product scopes and prices can change.

Keep the savings. Skip the percentage.

Start with a free Leak Scan. Eva checks all seven leak types, reports within 24 hours, and never takes a cut of what belongs to you. No bank login to start.

Start My Free Leak Scan →